https://www.cbsnews.com/news/retirement-age-in-america-62-claiming-social-security-early/?ftag=CNM-00-10aab7e&linkId=675315096
60% retire at 62 when benefits are 30% lower
50% retire early due to health issues
retiring at 66 or 67 is required to get full benefits
bottom line - the system is set up to screw the majority of retirees
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